Resource processing method and apparatus

ABSTRACT

One example method includes receiving, by the one or more processors and from a user device, a request for a service, the request including a user identification of a user of the user device; determining, by the one or more processors, a consumption quantity of the service, the consumption quantity indicating a value associated with providing the service; determining, by the one or more processors, a pre-created general resource account associated with the user identification and including a total value that indicates an aggregated value of one or more sets of prepaid resources that belong to the user; and deducting, by the one or more processors, one or more prepaid resources from the total value of the general resource account, the one or more prepaid resources adding up to the value of the consumption quantity of the service, and in response, providing the service to the user device.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application is a continuation of PCT Application No.PCT/CN2017/087657, filed on Jun. 9, 2017, which claims priority toChinese Patent Application No. 201610461033.5, filed on Jun. 22, 2016,and each application is hereby incorporated by reference in itsentirety.

TECHNICAL FIELD

The present application relates to the field of computer technologies,and in particular, to a resource processing method and apparatus.

BACKGROUND

When using a service provided by a service provider (for example, awebsite), a user usually consumes a certain quantity of the serviceprovider's resource. In order to use the service smoothly, the userusually feeds back a corresponding quantity of resource costs to theservice provider.

Currently, in practice, the service provider provides the user with anonline prepaid resource (for example, an electronic voucher and anelectronic prepaid card, which is referred to as a prepaid resource forshort in the following). The prepaid resource can offset thecorresponding quantity of resource costs when the user uses the serviceprovided by the service provider.

In the existing technology, the user can obtain the prepaid resource oneby one from the service provider, so that the user can use the obtainedprepaid resource when using the service provided by the serviceprovider. A back end server (referred to as a server for short in thefollowing) of the service provider creates a resource account for aprepaid resource obtained by the user each time (that is, each resourceaccount corresponds to a prepaid resource obtained by the user eachtime), and establishes an association between each resource account andthe user. When the user needs to use a prepaid resource, the serverdetermines each resource account associated with the user, and deducts acorresponding quantity of prepaid resources from each resource accountuntil a total quantity of deducted prepaid resources is consistent witha total quantity of resources required for the service.

For example, a user purchases a plurality of electronic prepaid cardsprovided by the service provider. Correspondingly, the back end servercreates a prepayment account for each electronic prepaid card, andassociates the prepayment account with the user. When the user performspayment, the user provides the service provider with user information(for example, a user name). Then, the server determines a plurality ofprepayment accounts of the user based on the user information, anddeducts a corresponding quota from each prepayment account, to completethe payment.

However, in the previously described method, the server needs to deductthe corresponding quantity of prepaid resources from the resourceaccounts one by one. This process is time-consuming especially when manyusers use their own prepaid resources, and increase processing loads ofthe server. As a result, the process of deducting prepaid resourcescosts more time, affecting user to efficiently and smoothly obtain theservice.

SUMMARY

An implementation of the present application provides a resourceprocessing method, to resolve a problem of low efficiency of deducting auser's prepaid resource by service provider's server in the existingtechnology.

An implementation of the present application provides a resourceprocessing apparatus, to resolve a problem of low efficiency ofdeducting a user's prepaid resource by a service provider's server inthe existing technology.

The following technical solutions are used in the implementations of thepresent application:

An implementation of the present application provides a resourceprocessing method, including the following: receiving a service requestsent by a user; determining a resource consumption quantitycorresponding to the service request; determining a pre-created generalresource account of the user, where the general resource accountincludes all prepaid resources belonging to the user; and obtaining,from the general resource account, prepaid resources corresponding tothe resource consumption quantity, to process the service request.

An implementation of the present application provides another resourceprocessing method, including the following: receiving a payment requestsent by a user; determining a payment amount corresponding to thepayment request; determining a pre-created general prepaid card accountof the user, where the general prepaid card account includes all prepaidcard funds belonging to the user; and deducting, from the generalprepaid card account, a prepaid card fund the same as the paymentamount, to process the payment request.

An implementation of the present application provides a resourceprocessing apparatus, including the following: a receiving module,configured to receive a service request sent by a user; a determiningmodule, configured to determine a resource consumption quantitycorresponding to the service request; a general account module,configured to determine a pre-created general resource account of theuser, where the general resource account includes all prepaid resourcesbelonging to the user; and a processing module, configured to obtain,from the general resource account, prepaid resources corresponding tothe resource consumption quantity, to process the service request.

An implementation of the present application provides another resourceprocessing apparatus, including the following: a receiving module,configured to receive a payment request sent by a user; a determiningmodule, configured to determine a payment amount corresponding to thepayment request; a general account module, configured to determine apre-created general prepaid card account of the user, where the generalprepaid card account includes all prepaid card funds belonging to theuser; and a processing module, configured to deduct, from the generalprepaid card account, a prepaid card fund the same as the paymentamount, to process the payment request.

At least one technical solution used in the implementations of thepresent application can achieve the following beneficial effects. Aserver of a service provider counts prepaid resources in each resourcesub-account created for a user, creates a general resource account forthe user, and stores, in the general resource account, the counted totalquantity of prepaid resources. As such, when obtaining the prepaidresources of the user, the server can directly obtain the correspondingquantity of prepaid resources from the general resource account insteadof obtaining prepaid resources from each resource sub-account. Thismethod can effectively reduce the time for the server to obtain theprepaid resources and further improve service processing efficiency.

BRIEF DESCRIPTION OF DRAWINGS

The accompanying drawings here are used to provide further understandingof the present application, and constitute a part of the presentapplication. Example implementations of the present application anddescriptions of the implementations are used to explain the presentapplication, and do not constitute an improper limitation to the presentapplication. In the accompanying drawings:

FIG. 1a is a schematic diagram illustrating a resource processingarchitecture, according to an implementation of the present application;

FIG. 1b is a schematic diagram illustrating a resource processingprocess, according to an implementation of the present application;

FIG. 2a is a schematic diagram illustrating resource account creation,according to an implementation of the present application;

FIG. 2b is a schematic diagram illustrating resource account creation,according to an implementation of the present application;

FIG. 2c is a schematic diagram illustrating resource account creation,according to an implementation of the present application;

FIG. 3 is a schematic diagram illustrating a resource account obtainedafter a prepaid resource is used, according to an implementation of thepresent application;

FIG. 4a is a schematic diagram illustrating a prepaid resource whenthere is a conversion coefficient, according to an implementation of thepresent application;

FIG. 4b is a schematic diagram illustrating a prepaid resource whenthere is a conversion coefficient, according to an implementation of thepresent application;

FIG. 5a is a schematic diagram illustrating a resource processingarchitecture in a merchant scenario, according to an implementation ofthe present application;

FIG. 5b is a schematic diagram illustrating a resource processingprocedure based on the architecture shown in FIG. 5 a;

FIG. 6 is a schematic structural diagram illustrating a serviceprocessing apparatus, according to an implementation of the presentapplication;

FIG. 7 is a schematic structural diagram illustrating a resourceprocessing apparatus in a merchant scenario, according to animplementation of the present application; and

FIG. 8 is a flowchart illustrating an example of a computer-implementedmethod for an efficient deduction of prepaid resources to provide aservice, according to an implementation of the present disclosure.

DESCRIPTION OF IMPLEMENTATIONS

To make the objectives, technical solutions, and advantages of thepresent application clearer, the following describes the technicalsolutions of the present application with reference to the specificimplementations and the corresponding accompanying drawings of thepresent application. The described implementations are some rather thanall of the implementations of the present application. All otherimplementations obtained by a person of ordinary skill in the art basedon the implementations of the present application without creativeefforts shall fall within the protection scope of the presentapplication.

As described above, when a user uses prepaid resources, a server usuallyobtains the corresponding prepaid resources from prepayment accountscorresponding to the user one by one. This process is time-consuming,causing low efficiency of service providing from a service provider tothe user.

In view of this, a method for quickly and conveniently obtaining prepaidresources in prepayment accounts is required when the user uses theprepaid resources. The implementations of the present applicationprovide a resource processing method, so that a server can quicklyobtain prepaid resources of a user, improving efficiency of providing aservice for the user.

It is worthwhile to note that the service provider in theimplementations of the present application can be a service providerthat can provide an online service, for example, a website or atelecommunications operator; or can be a service provider that canprovide an offline service (in this scenario, the service provider stillprovides an online prepaid resource), for example, a store or arestaurant. In this case, a server of the service provider can be, forexample, a website server, a telecommunications operator server, or aserver configured to process an online prepaid resource. The presentapplication is not limited thereto here.

The technical solutions provided by the implementations of the presentapplication are described in detail below with reference to theaccompanying drawings.

As shown in FIG. 1a , FIG. 1a is a schematic diagram illustrating aresource processing architecture, according to an implementation of thepresent application. Based on the architecture shown in FIG. 1a , FIG.1b shows a resource processing method according to an implementation ofthe present application. The resource processing method specificallyincludes the following steps:

S101. Receive a service request sent by a user.

In an actual application scenario, when the user needs to use a serviceprovided by a service provider, the user can send a correspondingservice request. For example, when using a cloud computing service, theuser sends a cloud computing request; or when using an online storageservice, the user sends a storage request. Correspondingly, a server ofthe service provider receives the service request sent by the user.

Certainly, in an optional method of the present implementation of thepresent application, the user can use an end-user device (which caninclude a mobile phone, a tablet computer, a computer, etc.) to scan acode, click on a service control on a corresponding page, etc., to sendthe service request to the service provider. The present application isnot limited thereto here.

S102. Determine a resource consumption quantity corresponding to theservice request.

As described above, when the service provider processes the servicerequest of the user, a certain quantity of resources are usuallyconsumed. For example, when the service provider provides a cloudcomputing service for the user, a corresponding processing resource isconsumed; and when the service provider provides a network storageservice, storage space in a database is consumed. Therefore, the userneeds to pay corresponding resource costs to the service provider.

In this case, after receiving the service request of the user, theserver first determines a quantity of resources required for processingthe service request (that is, a service consumption quantity), tosubsequently determine the resource costs to be paid by the user.

S103. Determine a pre-created general resource account of the user.

The general resource account includes all prepaid resources belonging tothe user.

In the present implementation of the present application, the generalresource account of the user is pre-created based on resource accountsof the user (to be distinguished from the general resource account, aresource account created each time the user equipment obtains prepaidresources is referred to as a resource sub-account). The prepaidresources stored in the general resource account is a sum of prepaidresources in the resource sub-accounts of the user, in other words, thegeneral resource account includes a total quantity of prepaid resourcesbelonging to the user.

For example, assume that a user has resource accounts A and B, aquantity of prepaid resources in resource sub-account A is 100, and aquantity of prepaid resources included in resource sub-account B is 200.As such, the total quantity of prepaid resources included in a generalresource account of the user is 300.

It is worthwhile to note that the general resource account in thepresent implementation of the present application is created by theserver for the user. In a method of the present implementation of thepresent application, the server stores an identifier of the user (forexample, a user ID or a service account registered with the server bythe user), so that the server can create the general resource accountfor the user based on the identifier of the user. For example, if theuser registers a service account named “xiaoming” with the server, theserver can create a general resource account “xiaoming-general resourceaccount” for the user based on the account name of the service account.After creating the general resource account, the server gathers allprepaid resources of the user and stores all the prepaid resources inthe general resource account.

Certainly, the previous example describes merely a feasible method forcreating a general resource account, and does not constitute anylimitation on the present application.

The technique presented herein is different from the existing technologythat in the present implementation of the present application, thegeneral resource account gathers all the prepaid resources belonging tothe user, so that there is no need to deduct prepaid resources from eachresource sub-account.

S104. Obtain, from the general resource account, prepaid resourcescorresponding to the resource consumption quantity, to process theservice request.

After the quantity of resources to be consumed for the service requestand the total quantity of prepaid resources included in the generalresource account of the user are determined, the corresponding quantityof resources can be deducted from the general resource account of theuser.

It is worthwhile to note that different cases can occur in an actualapplication scenario.

In a first scenario, the quantity of resources to be consumed for theservice request is not greater than the total quantity of prepaidresources included in the general resource account, so that the servercan deduct, from the general resource account, the quantity of resourcesto be consumed for the service request. For example, assume that thequantity of resources to be consumed for the service request is 80, andthe total quantity of prepaid resources in the general resource accountof the user is 100. The quantity 80 of prepaid resources can be deductedfrom the general resource account, and the remaining quantity of prepaidresources in the general resource account is 20.

In a second scenario, the quantity of resources to be consumed for theservice request is greater than the total quantity of prepaid resourcesincluded in the general resource account. As such, the server can feedback a failure notification to the end-user device to notify the userthat the prepaid resources belonging to the user are insufficient tosatisfy the resource consumption quantity of the service request; or theserver can deduct all the prepaid resources in the general resourceaccount, and feed back a difference compensation notification to theend-user device for the insufficient prepaid resource part, and the usercan pay the remaining quantity of resources by using another method. Forexample, assume that the quantity of resources to be consumed for theservice request is 200, and the total quantity of prepaid resources inthe general resource account of the user is 100. The total quantity ofprepaid resources in the general resource account of the user can bededucted first. In this case, the quantity of resources to be consumedfor the service request still has 100 unpaid. Therefore, the user candirectly pay the resources, etc., to compensate for the remainingresource consumption quantity. The present application is not limitedthereto here.

By using the previous steps, the server of the service providerpre-creates the general resource account of the user. The generalresource account gathers all the prepaid resources belonging to theuser. After the server receives the service request of the user, theserver determines the quantity of resources to be consumed for theservice request, so that the server can directly obtain thecorresponding quantity of prepaid resources from the general resourceaccount to compensate for the resources to be consumed for the servicerequest. In the existing technology, the prepaid resources are deductedfrom each resource sub-account of the user. In comparison with theexisting technology, the method in the present implementation of thepresent application enables the corresponding quantity of prepaidresources to be directly obtained from the general resource account ofthe user, effectively improving efficiency of obtaining the prepaidresources. This prevents the server from calculating a quantity ofprepaid resources in each resource sub-account, thereby reducing workload on the server.

It is worthwhile to note that the steps of the method provided in theprevious implementation can be performed by the same device, andspecifically, can be the server of the service provider.

The following describes a process of creating a general resource accountin detail.

As shown in FIG. 2a , FIG. 2a is a schematic diagram illustrating aprocess that a server creates a general resource account, according toan implementation of the present application. With reference to FIG. 2a, pre-creating a general resource account of a user includes thefollowing: determining each pre-created resource sub-account of theuser; counting a total resource quantity of prepaid resources of theresource sub-accounts; and creating the general resource account for theuser based on the counted total resource quantity, and storing, in thegeneral resource account, the prepaid resources corresponding to thetotal resource quantity.

Each resource sub-account stores prepaid resources obtained by the usereach time.

After the user obtains prepaid resources from a service provider (forexample, an electronic prepaid card or an electronic voucher purchasedby the user), the server creates a corresponding account for the user tostore the obtained prepaid resources. In practice, when obtaining theprepaid resources from the service provider, the user uses an identifierof the user (for example, the user ID or service account). Therefore,the server can obtain the identifier of the user each time the userobtains the prepaid resources, and create a resource sub-accountbelonging to the user.

Each resource sub-account belonging to the user stores prepaid resourcesobtained by the user each time. Therefore, the resource sub-accounts arecounted to determine the total quantity of prepaid resources belongingto the user. On this basis, the general resource account is created forthe user, and all the prepaid resources belonging to the user aregathered and stored in the general resource account.

In a method of the present implementation of the present application,the general resource account of the user can be created when the servercreates the first resource sub-account for the user. As shown in FIG. 2b, the server monitors the first resource sub-account (resourcesub-account 1 in FIG. 2b ) created for the user. When detecting that theresource sub-account is created, the server counts a quantity of prepaidresources in the resource sub-account, uses the counted quantity ofprepaid resources as a current total resource quantity, creates thegeneral resource account for the user, and stores, in the generalresource account, the prepaid resources corresponding to the quantity ofprepaid resources. It can be seen from FIG. 2b that the total quantityof resources in the general resource account is the quantity ofresources included in resource sub-account 1. In other words, the totalquantity of resources is 100.

In other words, the server creates the general resource account for theuser when the server creates the resource sub-account for the user forthe first time. Afterwards, if the user obtains a corresponding quantityof new prepaid resources, the server creates a new resource sub-accountfor the user. Meanwhile, the quantity of prepaid resources in thegeneral resource account also changes. To be specific, the server addsthe prepaid resources in the new resource sub-account to the generalresource account in real time, so that the total resource quantity inthe general resource account increases by the corresponding quantity ofprepaid resources.

For example, as shown in FIG. 2c , the user obtains new prepaidresources (assume that a quantity of prepaid resources is 50), and thenthe server creates a new resource sub-account-resource sub-account 2 (aquantity of prepaid resources stored in resource sub-account 2 is 50)for the user. In this case, the server adds the quantity of prepaidresources in resource sub-account 2 to the general resource account.Therefore, in FIG. 2c , the total resource quantity in the generalresource account changes to 150.

The creation of a general resource account can combine all prepaidresources obtained by the user. It can be understood that, whenobtaining the prepaid resources of the user, the server can use thegeneral resource account to directly obtain the prepaid resourcesinstead of obtaining the prepaid resources from each resourcesub-account. In comparison with the method in the existing technology,the method using a general resource account in the presentimplementation of the present application can effectively reduce a timefor the server to obtain the prepaid resources of the user.

In practice, the prepaid resources provided by the service provider canhave different conversion coefficients. To be specific, the samequantity of prepaid resources with different conversion coefficients canoffset different quantities of resource costs. For example, when aconversion coefficient is 1, the user can use 100 prepaid resources tooffset the same quantity (i.e. 100) of resource costs. In other words,if the conversion coefficient is 1 and a resource consumption quantityfor a service request sent by the user is 100, the server obtains 100prepaid resources belonging to the user.

However, if the conversion coefficient is 2, the user can use 100prepaid resources to offset 200 resource costs. In other words, if theconversion coefficient is 2 and a resource consumption quantity for aservice request sent by the user is 100, the server obtains 50 prepaidresources belonging to the user.

In view of this, when the server counts a total quantity of resources inresource sub-accounts, the server needs to make the count based on aconversion coefficient of each resource sub-account. The counting atotal resource quantity of prepaid resources of the resourcesub-accounts includes the following: determining a conversioncoefficient of prepaid resources in each resource sub-account; andcounting the total resource quantity of the prepaid resources of theresource sub-accounts based on the determined conversion coefficient ofeach resource sub-account.

In the present implementation of the present application, the quantityof prepaid resources in the general resource account is a sum ofconverted quantities of prepaid resources in the resource sub-accounts.

After the user sends the service request, the server can obtain, basedon the resource consumption quantity corresponding to the servicerequest, the same quantity of prepaid resources from the generalresource account.

It is worthwhile to note that the quantity of prepaid resources in theresource sub-account corresponds to the total quantity of prepaidresources in the general resource account in real time. In other words,the quantity of prepaid resources in the general resource accountcorrespondingly changes with the quantity of prepaid resources in theresource sub-account. Likewise, when the total quantity of prepaidresources in the general resource account changes, the servercorrespondingly adjusts the quantity of prepaid resources in theresource sub-account. Therefore, after obtaining a certain quantity ofprepaid resources from the general resource account, the server deductsthe same quantity of prepaid resources from the resource sub-accounts.

In the present implementation of the present application, the methodshown in FIGS. 1a and FIG. 1b further includes the following: deductinga corresponding quantity of prepaid resources from each resourcesub-account corresponding to the user, based on the quantity of prepaidresources obtained from the general resource account of the user.

In the present implementation of the present application, the prepaidresources can be deducted from each resource sub-account in a pluralityof methods. For example, in practice, the user can obtain prepaidresources for a plurality of times, and the server creates a resourcesub-account each time the user obtains prepaid resources. Therefore, achronological order exists among resource sub-accounts of the user, sothat the prepaid resources can be deducted based on the time sequence ofthe creating time of the resource sub-accounts.

For example, in a case shown in FIG. 2c , resource sub-account 1 iscreated earlier than resource sub-account 2. If the server obtains 120prepaid resources from the general resource account of the user, thesame quantity of prepaid resources needs to be deducted from resourcesub-account 1 and resource sub-account 2. Because the resourcesub-account 1 is created earlier, the server can first deduct theprepaid resources from resource sub-account 1 based on the time sequenceof the creating time of the resource sub-accounts. By doing so, as shownin FIG. 3, there is no more prepaid resource in resource sub-account 1,but 20 prepaid resources need to be further deducted. Therefore, theserver deducts 20 prepaid resources from resource sub-account 2. In FIG.3, there are 30 prepaid resources left in resource sub-account 2.

For another example, different resource sub-accounts can have differentconversion coefficients, and the prepaid resources in each resourcesub-account can be deducted based on a sequence of conversioncoefficients.

In FIG. 4a , the quantity of prepaid resources in resource sub-account 1is 100, and the conversion coefficient is 2; the quantity of prepaidresources in resource sub-account 2 is 30, and the conversioncoefficient is 1. In this case, the total quantity of resources in thegeneral resource account is 100*2+30=230. As shown in FIG. 4b , if aservice to be used by the user needs to consume 100 resources, theserver directly obtains 100 resources from the general resource account(causing 130 resources to be left in the general resource account), andthen the server deducts 50 prepaid resources from resource sub-account 1based on a priority of conversion coefficients.

Therefore, in the previous content, the deducting a correspondingquantity of prepaid resources from each resource sub-accountcorresponding to the user includes the following: deducting thecorresponding quantity of prepaid resources from each resourcesub-account based on a time sequence of establishing associationsbetween the resource sub-accounts and the user; or determining apriority sequence of the resource sub-accounts based on the conversioncoefficient of the prepaid resources in each resource sub-account, anddeducting the corresponding quantity of prepaid resources from eachresource sub-account based on the determined priority sequence of theresource sub-accounts.

In practice, prepaid resources in the resource sub-accounts can bealternatively deducted based on a sequence of the resource sub-accountsthat is set by the user. When some resource sub-accounts have a validitytime limit, the prepaid resources can be deducted based on the validitytime limit. The present application is not limited thereto here.

It is worthwhile to note that, in the present implementation of thepresent application, the prepaid resources can be deducted from theresource sub-accounts after the service provider provides a service.Alternatively, the service provider can provide the correspondingservice for the user after the server obtains the prepaid resources fromthe general resource account, ensuring that the user can obtain theservice in time. On this basis, the server subsequently deducts theprepaid resources from the resource sub-accounts. The user can stillobtain the service in time by using this method.

The previous method in the present application can be applied to aprepaid card scenario in an actual application scenario. An architecturein the actual application scenario is shown in FIG. 5a . The actualscenario includes a user, a merchant, and a payment service provider.The user obtains a corresponding service from the merchant (for example,the merchant can provide services such as merchandise, food/drink, oraccommodation for the user). The merchant can provide an electronicprepaid card (or an electronic voucher, etc., for ease of description,referred to as a prepaid card in the following) for the user. Thepayment service provider technically supports online payment for theprepaid card provided by the merchant. In addition, the user registers auser account with the payment service provider. In practice, the usercan purchase a corresponding merchandise from the merchant by using theprepaid card. The prepaid card here can be considered as a prepaidresource. Different prepaid cards have different amounts and conversioncoefficients. The user can purchase a plurality of prepaid cards. Inthis scenario, as shown in FIG. 5b , an implementation of the presentapplication provides a resource processing method.

The method in FIG. 5b includes the following steps:

S501. Receive a payment request sent by a user.

The user needs to pay corresponding amounts after obtaining servicesprovided by the merchant, for example, selling or lending merchandise,food/drink, or accommodation. In a method of the present implementationof the present application, the payment request can be sent by the userby using an end-user device of the user. The merchant can provide acorresponding quick response code for the user, and the user sends thepayment request after the user uses the end-user device to scan thecode. In another method of the present implementation of the presentapplication, the payment request can be sent by the merchant. Themerchant can send the service request to the server by using asettlement device (for example, a POS machine or an end-user device) ofthe merchant.

Both the service request sent by the user and the service request sentby the merchant carry an identifier of the user (for example, an accountregistered with the payment service provider by the user, a phonenumber, or a user ID) and an identifier of the merchant (for example, amerchant name or a merchant ID).

S502. Determine a payment amount corresponding to the payment request.

The payment request carries corresponding information about the paymentamount, so that the server can determine, based on the information aboutthe payment amount, the amount to be paid for the payment request.

S503. Determine a pre-created general prepaid card account of the user.

The general prepaid card account includes all prepaid card fundsbelonging to the user.

It is worthwhile to note here that in this actual application scenario,the merchant provides the prepaid card. In view of this, the servercreates the prepaid card account (including a prepaid card sub-accountand the general prepaid card account) for the user based on theidentifier of the merchant and the identifier of the user.

In other words, the server determines, based on the identifier of theuser and the identifier of the merchant that are carried in the servicerequest, the prepaid card account corresponding to the merchant, anddetermines, based on the identifier of the user, the prepaid cardaccount belonging to the user.

S504. Deduct, from the general prepaid card account, a prepaid card fundthe same as the payment amount, to process the payment request.

After deducting the corresponding prepaid card fund from the generalprepaid card account of the user, the server notifies the merchant ofthe successful deduction, so that the merchant completes a paymenttransaction of the user. In addition, the server notifies the user thatthe fund is successfully deducted from the prepaid card account of theuser, and presents corresponding deduction details. Certainly, thepresent application is not limited thereto here.

The resource processing method in this scenario further includes aprocess of creating the general prepaid card account, a process ofcounting a total amount of prepaid card funds based on prepaid cardfunds in the prepaid card sub-accounts, and a process of deductingprepaid card resources.

In this scenario, pre-creating the general prepaid card account of theuser includes the following: determining each pre-created prepaid cardsub-account of the user (each prepaid card sub-account stores a prepaidcard fund purchased by the user each time); counting a total amount ofprepaid card funds of the prepaid card sub-accounts; and creating thegeneral prepaid card account for the user based on the counted totalamount, and storing, in the general prepaid card account, prepaid cardfunds the same as the total amount.

As mentioned above, after the user purchases the prepaid card of themerchant, the server creates the prepaid card sub-account for the userbased on the identifier of the user and the identifier of the merchant.The prepaid card sub-account can indicate that the prepaid resource isprovided by the merchant, and the prepaid card sub-account belongs tothe user.

In this process, the counting a total amount of prepaid card funds ofthe prepaid card sub-accounts includes the following: determining aconversion coefficient of a prepaid card fund in each prepaid cardsub-account; and counting the total amount of the prepaid card funds ofthe prepaid card sub-accounts based on the determined conversioncoefficient of each prepaid card sub-account.

In a process of deducting prepaid card funds, the method furtherincludes the following: deducting a corresponding quantity of prepaidcard funds from each prepaid card sub-account corresponding to the user,based on the prepaid card funds deducted from the general prepaid cardaccount of the user.

Further, the deducting a corresponding quantity of prepaid card fundsfrom each prepaid card sub-account corresponding to the user can includethe following: deducting the corresponding quantity of prepaid cardfunds from each prepaid card sub-account based on a time sequence ofestablishing associations between the prepaid card sub-accounts and theuser; or determining a priority sequence of the prepaid cardsub-accounts based on the conversion coefficient of the prepaidresources in each prepaid card sub-account, and deducting thecorresponding quantity of prepaid card funds from each prepaid cardsub-account based on the determined priority sequence of the prepaidcard sub-accounts.

The previous content is similar to content described in the method shownin FIG. 1b . Details are omitted here for simplicity.

The resource processing method provided in an implementation of thepresent application is described above. Based on the same idea, animplementation of the present application further provides a resourceprocessing apparatus.

As shown in FIG. 6, the apparatus includes the following: a receivingmodule 601, configured to receive a service request sent by a user; adetermining module 602, configured to determine a resource consumptionquantity corresponding to the service request; a general account module603, configured to determine a pre-created general resource account ofthe user, where the general resource account includes all prepaidresources belonging to the user; and a processing module 604, configuredto obtain, from the general resource account, prepaid resourcescorresponding to the resource consumption quantity, to process theservice request.

The general account module 603 determines each pre-created resourcesub-account of the user, where each resource sub-account stores prepaidresources obtained by the user each time; counts a total resourcequantity of prepaid resources of the resource sub-accounts; and createsthe general resource account for the user based on the counted totalresource quantity, and stores, in the general resource account, theprepaid resources corresponding to the total resource quantity.

Further, the general account module 603 determines a conversioncoefficient of prepaid resources in each resource sub-account; andcounts the total resource quantity of the prepaid resources of theresource sub-accounts based on the determined conversion coefficient ofeach resource sub-account.

The apparatus further includes a resource settlement module 605,configured to deduct, based on the quantity of prepaid resourcesobtained from the general resource account of the user, a correspondingquantity of prepaid resources from each resource sub-accountcorresponding to the user.

The resource settlement module 605 deducts the corresponding quantity ofprepaid resources from one or more resource sub-accounts based on a timesequence of establishing associations between the resource sub-accountsand the user; or determines a priority sequence of the resourcesub-accounts based on the conversion coefficient of the prepaidresources in each resource sub-account, and deducts the correspondingquantity of prepaid resources from one or more resource sub-accountsbased on the determined priority sequence of the resource sub-accounts.

An apparatus based on the apparatus shown in FIG. 6 can be applied in ascenario that a user uses a prepaid card. Specifically, as shown in FIG.7, an implementation of the present application provides a resourceprocessing apparatus in this scenario. The apparatus includes thefollowing: a receiving module 701, configured to receive a paymentrequest sent by a user; a determining module 702, configured todetermine a payment amount corresponding to the payment request; ageneral account module 703, configured to determine a pre-createdgeneral prepaid card account of the user, where the general prepaid cardaccount includes all prepaid card funds belonging to the user; and aprocessing module 704, configured to deduct, from the general prepaidcard account, a prepaid card fund the same as the payment amount, toprocess the payment request.

The general account module 703 determines each pre-created prepaid cardsub-account of the user, where each prepaid card sub-account stores aprepaid card fund purchased by the user each time; counts a total amountof prepaid card funds of the prepaid card sub-accounts; and creates thegeneral prepaid card account for the user based on the counted totalamount, and stores, in the general prepaid card account, prepaid cardfunds the same as the total amount.

Further, the general account module 703 determines a conversioncoefficient of a prepaid card fund in each prepaid card sub-account; andcounts the total amount of the prepaid card funds of the prepaid cardsub-accounts based on the determined conversion coefficient of eachprepaid card sub-account.

The apparatus further includes a resource settlement module 705,configured to deduct a corresponding quantity of prepaid card funds fromone or more prepaid card sub-account corresponding to the user, based onthe prepaid card funds deducted from the general prepaid card account ofthe user.

A person skilled in the art should understand that the implementationsof the present disclosure can be provided as a method, a system, or acomputer program product. Therefore, the present disclosure can use aform of hardware only implementations, software only implementations, orimplementations with a combination of software and hardware. Moreover,the present disclosure can use a form of a computer program product thatis implemented on one or more computer-usable storage media (includingbut not limited to a magnetic disk storage, a CD-ROM, an optical memory,etc.) that include computer-usable program code.

The present disclosure is described with reference to the flowchartsand/or block diagrams of the method, the device (system), and thecomputer program product according to the implementations of the presentdisclosure. It is worthwhile to note that computer program instructionscan be used to implement each process and/or each block in theflowcharts and/or the block diagrams and a combination of a processand/or a block in the flowcharts and/or the block diagrams. Thesecomputer program instructions can be provided for a general-purposecomputer, a dedicated computer, an embedded processor, or a processor ofanother programmable data processing device to generate a machine, sothat the instructions executed by the computer or the processor of theanother programmable data processing device generate an apparatus forimplementing a specific function in one or more processes in theflowcharts and/or in one or more blocks in the block diagrams.

These computer program instructions can be stored in a computer readablememory that can instruct the computer or the another programmable dataprocessing device to work in a specific method, so that the instructionsstored in the computer readable memory generate an artifact thatincludes an instruction apparatus. The instruction apparatus implementsa specific function in one or more processes in the flowcharts and/or inone or more blocks in the block diagrams.

These computer program instructions can be loaded onto the computer orthe another programmable data processing device, so that a series ofoperations and steps are performed on the computer or the anotherprogrammable device, thereby generating computer-implemented processing.Therefore, the instructions executed on the computer or the anotherprogrammable device provide steps for implementing a specific functionin one or more processes in the flowcharts and/or in one or more blocksin the block diagrams.

In a typical configuration, a computing device includes one or moreprocessors (CPU), an input/output interface, a network interface, and amemory.

The memory can include a non-persistent storage, a random access memory(RAM), a nonvolatile memory, and/or another form that are in a computerreadable medium, for example, a read-only memory (ROM) or a flash memory(flash RAM). The memory is an example of the computer readable medium.

The computer readable medium includes persistent, non-persistent,movable, and unmovable media that can implement information storage byusing any method or technology. Information can be a computer readableinstruction, a data structure, a program module, or other data. Acomputer storage medium includes but is not limited to a phase-changerandom access memory (PRAM), a static random access memory (SRAM), adynamic random access memory (DRAM), a random access memory (RAM) ofanother type, a read-only memory (ROM), an electrically erasableprogrammable read-only memory (EEPROM), a flash memory or another memorytechnology, a compact disc read-only memory (CD-ROM), a digitalversatile disc (DVD) or another optical storage, a cassette, a cassettemagnetic disk storage, another magnetic storage device or any othernon-transmission medium. The computer storage medium can be configuredto store information that can be accessed by the computing device. Basedon the definition in the present specification, the computer readablemedium does not include computer-readable transitory media, for example,a modulated data signal and carrier.

It is worthwhile to note that terms “include”, “comprise”, or their anyother variant is intended to cover non-exclusive inclusion, so that aprocess, a method, an article, or a device that includes a series ofelements not only includes these elements, but also includes otherelements which are not expressly listed, or further includes elementsinherent to such process, method, article, or device. An elementpreceded by “includes a . . . ” does not, without more constraints,preclude the existence of additional identical elements in the process,method, article, or device that includes the element.

A person skilled in the art should understand that the implementationsof the present application can be provided as a method, a system, or acomputer program product. Therefore, the present application can use aform of hardware only implementations, software only implementations, orimplementations with a combination of software and hardware. Inaddition, the present application can use a form of a computer programproduct that is implemented on one or more computer-usable storage media(including but not limited to a magnetic disk storage, a CD-ROM, anoptical memory, etc.) that include computer-usable program code.

The previous descriptions are merely implementations of the presentapplication, and are not intended to limit the present application. Fora person skilled in the art, the present application can have variousmodifications and changes. Any modifications, equivalent substitutions,improvements, etc. made in the spirit and principle of the presentapplication shall fall in the scope of the claims in the presentapplication.

FIG. 8 is a flowchart illustrating an example of a computer-implementedmethod 800 for an efficient deduction of prepaid resources to provide aservice, according to an implementation of the present disclosure. Forclarity of presentation, the description that follows generallydescribes method 800 in the context of the other figures in thisdescription. However, it will be understood that method 800 can beperformed, for example, by any system, environment, software, andhardware, or a combination of systems, environments, software, andhardware, as appropriate. In some implementations, various steps ofmethod 800 can be run in parallel, in combination, in loops, or in anyorder.

At 802, a request for a service is received. The request can be receivedfrom a user device and can include a user identification of a user(e.g., the user depicted in FIG. 1a ) of the device. The service can bea request for an online or an off-line service, such as ordering a food,renting a movie, receiving a software license, etc. The request can bereceived by one or more processors of a system, for example theprocessors of the server depicted in FIG. 1b . From 802, method 800proceeds to 804.

At 804, a consumption quantity associated with the service is received.The consumption quantity can indicate a value associated with providingthe requested service. For example, the consumption quantity mayindicate how many dollars need to be spent to receive the service. From804, method 800 proceeds to 806.

At 806, a general resource account associated with the user isdetermined. The general resource account can be a pre-created account ofthe user and can include a total value that represents a total value ofthe assets of the user that are stored on the system. For example, eachtime the user acquires an asset, the asset and/or a value of the assetcan be recorded in the general resource account. Each asset can be a setof prepaid resources (e.g., a dollar amount) or can be associated with aset of prepaid resources (e.g., a tag that has a dollar value). Theprepaid resources can be in form of a currency (e.g., bitcoin, dollar,etc.), coupons (e.g., electronic coupons), scores (e.g., game scores),etc. Accordingly, the general resource account includes a total valuethat indicates an aggregated value of one or more sets of prepaidresources that belong to the user. From 806, method 800 proceeds to 808.

At 808, one or more prepaid resources that add up to the consumptionquantity of the service are deducted from the general resource account.Upon deducting the one or more prepaid resources, the service can beprovided to the user. For example, as explained with reference to FIG.4a above, when the consumption quantity of the service is 100 resources,100 prepaid resources will be deducted from the general resource accountof the user in order to provide the service to the user.

In some implementations, each of the sets of prepaid resources is storedin a sub-account of the user that may have been created when the userobtained the respective set of prepaid resources. In theseimplementations, the general resource account can be created by:determining a sub-account value associated with each sub-account,aggregating the subaccount values to generate a total value, andcreating the general resource account by generating an account thatincludes the total value and is associated with the user.

Any of the sets of prepaid resources (or the sub-accounts) can beassociated with a conversion coefficient. As explained above (e.g., withreference to FIG. 4b ), if a set of prepaid resources is associated witha conversion coefficient, the prepaid resources in that set are weightedbased on the conversion coefficient. For example, when a first set ofprepaid resources is associated with a first conversion coefficient thatis twice as much as a second conversion coefficient of a second set ofprepaid resources, the prepaid resources in the first set are worthtwice as much as the prepaid resources in the second set.

When the sub-account values of the sub-accounts are being determined,the conversion coefficients of the sets are taken into consideration. Todetermine the total value of the general account resource, a number ofprepaid resources in each sub-account is counted and multiplied with therespective conversion coefficient of the sub-account. For example, sincethe sub-account 1 in FIG. 4b is associated with a conversion coefficient2, the number of prepaid resources in the sub-account 1 (which is 50) ismultiplied to 2 to provide 100 prepaid resources for the generalresource account.

The method 800 can further include deducting, from at least onesub-account associated with the user, one or more prepaid resources thatadd up to the consumption quantity of the service. However, deductingthe prepaid resources from the sub-accounts has no effect on the speedof responding to the user request as the deduction happens independentfrom responding to the user request and even be performed after theserver allows providing the service to the user.

In some implementations, the one or more prepaid resources are deductedfrom random sub-accounts of the user. In some implementations, thesub-accounts are prioritized and the deduction is made from thesub-accounts with higher priority. In some examples, the sub-accountsare prioritized based on a sequence of creation or a latest update ofthe sub-accounts. For example, the sub-accounts that have been createdearlier in time may be given a higher priority than the sub-accountsthat were created later in time. In some examples, the sub-accounts areprioritized based on their respective conversion coefficients. Forexample, the sub-accounts that have greater conversion coefficients maybe prioritized as higher than the sub-accounts that have lowerconversion coefficients.

The service request received from the user device (at 802) can includean identification of the service or an identification of the serviceprovider that provides the service. In some implementations, the prepaidresources in the sub-accounts (or in the one or more sets of prepaidresources) can be associated with particular services or particularservice providers. For example, the prepaid resources in a firstsub-account may be game scores that can be used only in games offered bya particular website. Each set of prepaid resources (or sub-accounts)may differ from other sets (or other sub-accounts) based on a time atwhich the set was acquires (e.g., the prepaid resources of thesub-account were obtained), and/or by a service and/or service providerto which the set is associated. In such implementations, the at leastone sub-account, from which the prepaid resources that add up to thevalue of the service are deducted (as described in the precedingparagraph), is selected from the sub-accounts that store the prepaidresources associated with the service and/or the service provider thatis included in the service request.

A user of computing devices can request services and pay for theservices through prepaid resources that the user has previouslyacquired. The prepaid resources can be in form of currencies (e.g.,bitcoin, dollar), coupons (e.g., electronic coupons), scores (e.g., gamescores), etc. The prepaid resources can be acquired by buying (e.g.,credits, pre-filled cards), obtaining coupons, scanning barcodes,entering particular codes, etc. When a user acquires a set of prepaidresources, the prepaid resources can be stored in a sub-account of theuser.

When the user requests a service, a server determines a value (or price)of providing the service and deducts the value of the service from theuser's sub-accounts to pay for the service. Upon determining that thereis enough prepaid resources in the user's sub-accounts, or upon adeduction of the value of the service from such sub-accounts, the serverprovides the service to the user. Accordingly, before the server canprovide the service to the user, the server needs to determine thesub-accounts associated with the user, check the sub-accounts one byone, and deduct the value from one or more sub-accounts. Such proceduretakes time and delays providing the service to the user.

The implementations of the present disclosure improve the speed ofproviding a requested service by reducing the delay that is caused bychecking a plurality of user sub-accounts to deduct the value of arequested service. Instead of checking multiple sub-accounts for eachservice request, the implementations check a single general resourceaccount of the user for any service request. More specifically, theimplementations determine a value associated with each sub-account andaggregate the values to provide a total value that is recorded in thegeneral resource account. Upon receiving a service request, the serverchecks this single general resource account to verify whether the userhas enough prepaid resources to afford the service and/or to deductprepaid resources that would pay for the value of the service, from thegeneral resource account. Upon such verification and/or deduction, theserver provides the service to the user. Accordingly, transactions cango through faster than in systems that check multiple sub-accounts fordeducting the service value before providing the service.

Embodiments and the operations described in this specification can beimplemented in digital electronic circuitry, or in computer software,firmware, or hardware, including the structures disclosed in thisspecification or in combinations of one or more of them. The operationscan be implemented as operations performed by a data processingapparatus on data stored on one or more computer-readable storagedevices or received from other sources. A data processing apparatus,computer, or computing device may encompass apparatus, devices, andmachines for processing data, including by way of example a programmableprocessor, a computer, a system on a chip, or multiple ones, orcombinations, of the foregoing. The apparatus can include specialpurpose logic circuitry, for example, a central processing unit (CPU), afield programmable gate array (FPGA) or an application-specificintegrated circuit (ASIC). The apparatus can also include code thatcreates an execution environment for the computer program in question,for example, code that constitutes processor firmware, a protocol stack,a database management system, an operating system (for example anoperating system or a combination of operating systems), across-platform runtime environment, a virtual machine, or a combinationof one or more of them. The apparatus and execution environment canrealize various different computing model infrastructures, such as webservices, distributed computing and grid computing infrastructures.

A computer program (also known, for example, as a program, software,software application, software module, software unit, script, or code)can be written in any form of programming language, including compiledor interpreted languages, declarative or procedural languages, and itcan be deployed in any form, including as a stand-alone program or as amodule, component, subroutine, object, or other unit suitable for use ina computing environment. A program can be stored in a portion of a filethat holds other programs or data (for example, one or more scriptsstored in a markup language document), in a single file dedicated to theprogram in question, or in multiple coordinated files (for example,files that store one or more modules, sub-programs, or portions ofcode). A computer program can be executed on one computer or on multiplecomputers that are located at one site or distributed across multiplesites and interconnected by a communication network.

Processors for execution of a computer program include, by way ofexample, both general- and special-purpose microprocessors, and any oneor more processors of any kind of digital computer. Generally, aprocessor will receive instructions and data from a read-only memory ora random-access memory or both. The essential elements of a computer area processor for performing actions in accordance with instructions andone or more memory devices for storing instructions and data. Generally,a computer will also include, or be operatively coupled to receive datafrom or transfer data to, or both, one or more mass storage devices forstoring data. A computer can be embedded in another device, for example,a mobile device, a personal digital assistant (PDA), a game console, aGlobal Positioning System (GPS) receiver, or a portable storage device.Devices suitable for storing computer program instructions and datainclude non-volatile memory, media and memory devices, including, by wayof example, semiconductor memory devices, magnetic disks, andmagneto-optical disks. The processor and the memory can be supplementedby, or incorporated in, special-purpose logic circuitry.

Mobile devices can include handsets, user equipment (UE), mobiletelephones (for example, smartphones), tablets, wearable devices (forexample, smart watches and smart eyeglasses), implanted devices withinthe human body (for example, biosensors, cochlear implants), or othertypes of mobile devices. The mobile devices can communicate wirelessly(for example, using radio frequency (RF) signals) to variouscommunication networks (described below). The mobile devices can includesensors for determining characteristics of the mobile device's currentenvironment. The sensors can include cameras, microphones, proximitysensors, GPS sensors, motion sensors, accelerometers, ambient lightsensors, moisture sensors, gyroscopes, compasses, barometers,fingerprint sensors, facial recognition systems, RF sensors (forexample, Wi-Fi and cellular radios), thermal sensors, or other types ofsensors. For example, the cameras can include a forward- or rear-facingcamera with movable or fixed lenses, a flash, an image sensor, and animage processor. The camera can be a megapixel camera capable ofcapturing details for facial and/or iris recognition. The camera alongwith a data processor and authentication information stored in memory oraccessed remotely can form a facial recognition system. The facialrecognition system or one-or-more sensors, for example, microphones,motion sensors, accelerometers, GPS sensors, or RF sensors, can be usedfor user authentication.

To provide for interaction with a user, embodiments can be implementedon a computer having a display device and an input device, for example,a liquid crystal display (LCD) or organic light-emitting diode(OLED)/virtual-reality (VR)/augmented-reality (AR) display fordisplaying information to the user and a touchscreen, keyboard, and apointing device by which the user can provide input to the computer.Other kinds of devices can be used to provide for interaction with auser as well; for example, feedback provided to the user can be any formof sensory feedback, for example, visual feedback, auditory feedback, ortactile feedback; and input from the user can be received in any form,including acoustic, speech, or tactile input. In addition, a computercan interact with a user by sending documents to and receiving documentsfrom a device that is used by the user; for example, by sending webpages to a web browser on a user's client device in response to requestsreceived from the web browser.

Embodiments can be implemented using computing devices interconnected byany form or medium of wireline or wireless digital data communication(or combination thereof), for example, a communication network. Examplesof interconnected devices are a client and a server generally remotefrom each other that typically interact through a communication network.A client, for example, a mobile device, can carry out transactionsitself, with a server, or through a server, for example, performing buy,sell, pay, give, send, or loan transactions, or authorizing the same.Such transactions may be in real time such that an action and a responseare temporally proximate; for example an individual perceives the actionand the response occurring substantially simultaneously, the timedifference for a response following the individual's action is less than1 millisecond (ms) or less than 1 second (s), or the response is withoutintentional delay taking into account processing limitations of thesystem.

Examples of communication networks include a local area network (LAN), aradio access network (RAN), a metropolitan area network (MAN), and awide area network (WAN). The communication network can include all or aportion of the Internet, another communication network, or a combinationof communication networks. Information can be transmitted on thecommunication network according to various protocols and standards,including Long Term Evolution (LTE), 5G, IEEE 802, Internet Protocol(IP), or other protocols or combinations of protocols. The communicationnetwork can transmit voice, video, biometric, or authentication data, orother information between the connected computing devices.

Features described as separate implementations may be implemented, incombination, in a single implementation, while features described as asingle implementation may be implemented in multiple implementations,separately, or in any suitable sub-combination. Operations described andclaimed in a particular order should not be understood as requiring thatthe particular order, nor that all illustrated operations must beperformed (some operations can be optional). As appropriate,multitasking or parallel-processing (or a combination of multitaskingand parallel-processing) can be performed.

What is claimed is:
 1. A computer-implemented method executed by one ormore processors, the method comprising: receiving, by the one or moreprocessors and from a user device, a request for a service, the requestcomprising a user identification of a user of the user device;determining, by the one or more processors, a consumption quantity ofthe service, the consumption quantity indicating a value associated withproviding the service; determining, by the one or more processors, thata general resource account associated with the user identificationcomprises a total value that indicates an aggregated value of one ormore sets of prepaid resources stored in a plurality of sub-accounts andbelonging to the user that is greater than to the value of theconsumption quantity of the service, wherein the general resourceaccount is configured to improve service processing speed by enabling adirect deduction of one or more prepaid resources from the total valueof the general resource account; in response to determining that thegeneral resource account comprises a total value that is greater than tothe value of the consumption quantity of the service, providing theservice to the user device; and deducting, by the one or moreprocessors, the one or more prepaid resources from the total value ofthe general resource account, the one or more prepaid resources addingup to the value of the consumption quantity of the service.
 2. Thecomputer-implemented method of claim 1, wherein each set in the one ormore sets of prepaid resources differs from other sets in the one ormore sets of prepaid resources based on a time that the set was obtainedor a service provider to which the set is associated.
 3. Thecomputer-implemented method of claim 1, further comprising creating thegeneral resource account by: determining the plurality of sub-accountsassociated with the user, each sub-account including a respective set ofprepaid resources of the one or more sets of prepaid resources andhaving been created when the user obtained the respective set of prepaidresources; determining a plurality of sub-account values, eachsub-account value being associated with a respective sub-account of theplurality of sub-accounts; aggregating the plurality of sub-accountvalues to generate the total value of the general resource account; andcreating the general resource account by generating an account thatincludes the total value and is associated with the user.
 4. Thecomputer-implemented method of claim 3, wherein a set of prepaidresources of a sub-account is associated with a conversion coefficient.5. The computer-implemented method of claim 4, wherein a first set ofprepaid resources is associated with a first conversion coefficient andan second set of prepaid resources is associated with a secondconversion coefficient that is different from the first conversioncoefficient.
 6. The computer-implemented method of claim 4, whereinaggregating the plurality of sub-account values comprises counting anumber of prepaid resources in the sub-account and multiplying thenumber by the conversion coefficient.
 7. The computer-implemented methodof claim 3, further comprising deducting from at least one sub-accountof the plurality of sub-accounts, the one or more prepaid resources. 8.The computer-implemented method of claim 7, wherein the request includesan identification of a service provider that provides the service, andthe method further comprising: determining that the at least onesub-account, from which the one or more prepaid resources is deducted,stores prepaid resources associated with the service provider.
 9. Thecomputer-implemented method of claim 7, further comprising: determininga time sequence that indicates a sequence of creation of the pluralityof sub-accounts; and selecting the at least one sub-account from theplurality of sub-accounts based on the time sequence.
 10. Thecomputer-implemented method of claim 7, wherein each sub-accounts isassociated with a conversion coefficient; and selecting the at least onesub-account based on a plurality of conversion coefficients associatedwith the plurality of sub-accounts.
 11. A non-transitorycomputer-readable storage medium coupled to one or more computers andconfigured with instructions executable by the one or more computers to:receive, from a user device, a request for a service, the requestcomprising a user identification of a user of the user device; determinea consumption quantity of the service, the consumption quantityindicating a value associated with providing the service; determine thata general resource account associated with the user identificationcomprises a total value that indicates an aggregated value of one ormore sets of prepaid resources stored in a plurality of sub-accounts andbelonging to the user that is greater than to the value of theconsumption quantity of the service, wherein the general resourceaccount is configured to improve service processing speed by enabling adirect deduction of one or more prepaid resources from the total valueof the general resource account; in response to determining that thegeneral resource account comprises a total value that is greater than tothe value of the consumption quantity of the service, provide theservice to the user device; and deduct the one or more prepaid resourcesfrom the total value of the general resource account, the one or moreprepaid resources adding up to the value of the consumption quantity ofthe service.
 12. The non-transitory computer-readable storage medium ofclaim 11, wherein each set in the one or more sets of prepaid resourcesdiffers from other sets in the one or more sets of prepaid resourcesbased on a time that the set was obtained or a service provider to whichthe set is associated.
 13. The non-transitory computer-readable storagemedium of claim 11, further configured with instructions executable bythe one or more computers to: determine the plurality of sub-accountsassociated with the user, each sub-account including a respective set ofprepaid resources of the one or more sets of prepaid resources andhaving been created when the user obtained the respective set of prepaidresources; determine a plurality of sub-account values, each sub-accountvalue being associated with a respective sub-account of the plurality ofsub-accounts; aggregate the plurality of sub-account values to generatethe total value of the general resource account; and create the generalresource account by generating an account that includes the total valueand is associated with the user.
 14. The non-transitorycomputer-readable storage medium of claim 13, wherein a set of prepaidresources of a sub-account is associated with a conversion coefficient.15. The non-transitory computer-readable storage medium of claim 14,wherein a first set of prepaid resources is associated with a firstconversion coefficient and a second set of prepaid resources isassociated with a second conversion coefficient that is different fromthe first conversion coefficient.
 16. The non-transitorycomputer-readable storage medium of claim 14, wherein aggregating theplurality of sub-account values comprises counting a number of prepaidresources in the sub-set and multiplying the number by the conversioncoefficient.
 17. The non-transitory computer-readable storage medium ofclaim 13, further configured with instructions executable by the one ormore computers to deduct from at least one sub-account of the pluralityof sub-accounts, the one or more prepaid resources.
 18. Thenon-transitory computer-readable storage medium of claim 17, wherein therequest includes an identification of a service provider that providesthe service, and the medium further configured with instructionsexecutable by the one or more computers to non-transitorycomputer-readable storage medium further comprising: determine that theat least one sub-account, from which the one or more prepaid resourcesis deducted, stores prepaid resources associated with the serviceprovider.
 19. The non-transitory computer-readable storage medium ofclaim 17 further configured with instructions executable by the one ormore computers to: determine a time sequence that indicates a sequenceof creation of the plurality of sub-accounts; and select the at leastone sub-account from the plurality of sub-accounts based on the timesequence.
 20. A system, comprising: one or more computers; and one ormore computer-readable memories coupled to the one or more computers andconfigured with instructions executable by the one or more computers to:receive, from a user device, a request for a service, the requestcomprising a user identification of a user of the user device, determinea consumption quantity of the service, the consumption quantityindicating a value associated with providing the service, determine thata general resource account associated with the user identificationcomprises a total value that indicates an aggregated value of one ormore sets of prepaid resources stored in a plurality of sub-accounts andbelonging to the user that is greater than to the value of theconsumption quantity of the service, wherein the general resourceaccount is configured to improve service processing speed by enabling adirect deduction of one or more prepaid resources from the total valueof the general resource account, in response to determining that thegeneral resource account comprises a total value that is greater than tothe value of the consumption quantity of the service, provide theservice to the user device, and deduct the one or more prepaid resourcesfrom the total value of the general resource account, the one or moreprepaid resources adding up to the value of the consumption quantity ofthe service.